Home insurance in Florida

Protect your home with top-rated coverage that could save you over $1,000 every year.*

On this page

How it works Protection Coverage Savings About us Areas served FAQs Resources

Get affordable home insurance in 3 simple steps

Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easier to find coverage.

Get a quote Talk to an agent

Property Info

Customize your quote

Get covered

Tell us about your home.

Answer a few basic questions and we'll generate your home insurance quote in minutes.

Personalize your policy.

Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.

Get covered.

Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!

Hurricanes & tropical storms

Wind & hail damage

Tornadoes

Wildfires

Floods

Sinkholes

Theft

Vandalism

Accidental water damage

Dwelling (Coverage A)

for the actual structure of your home, inside and out.

Other structures (Coverage B)

for things like detached garages, fences, and sheds.

Personal property (Coverage C)

for your personal belongings that make your house a home.

Loss of use (Coverage D)

for additional living expenses when a covered loss forces you to temporarily relocate.

Liability (Coverage E)

if you accidentally cause someone bodily injury or property damage.

Medical payments (Coverage F)

if a guest is injured on your property.

We also offer additional coverage options for water backup, fungi and mold, animal liability, identity fraud, and more.

Discounts available in Florida

The average cost of home insurance has increased to more than $3,600 per year in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.

Get a quote Talk to an agent

Home security - for installing security and fire alarms.

Wind mitigation - the more wind-proof your home, the better.

Water detection - because no one wants a flooded home.

Claims-free - for keeping your home safe over the years.

Electronic policy - for reducing your carbon footprint by saving some paper.

Here to help

We reach out before and after major weather events to make sure you're okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online through our Customer Portal.

5-star care

Our licensed insurance experts are available to help via email, phone, or live chat.

Get a quote Read what our customers think

While we sell policies in every county in Florida, some of our top cities include:

Cape Coral Miami St. Petersburg Fort Lauderdale Orlando Tampa Fort Myers Pensacola Jacksonville Sarasota

FAQs about Florida home insurance

What is the average cost of home insurance in Florida?

The average cost of Florida home insurance premiums is $3,600. Homeowners insurance in Florida is expensive because of the high risk of natural disasters such as hurricanes, floods, and sinkholes. Your home's risks depend on its location and other characteristics.

Is home insurance required in Florida?

While homeowners insurance isn't required at the state level, nearly all mortgage lenders require it. Plus, if your home is in a Special Flood Hazard Area (SFHA) like most Florida homes, your lender will usually require you to have flood insurance, too.

What factors affect home insurance rates in Florida?

Where you live, the age of your home, your home's characteristics, and other factors will determine the cost of your home insurance. Florida's rising insurance costs are also influenced by reinsurance, insurance fraud, litigation costs, catastrophic claims, and inflation.

What type of home insurance coverages are recommended in Florida?

Beyond the standard adjustable coverages for your home and things like other structures, personal property, and liability, you'll also want to consider adding flood insurance and sinkhole insurance.

And while there's technically no such thing as hurricane insurance, many home insurance policies include coverage for wind damage caused by hurricanes. They may also have a hurricane deductible that applies when you make a claim for losses caused by hurricane winds.